Remortgage With a CCJ UK — Can You Switch Deals?

Can you remortgage if you have a CCJ? Yes — specialist lenders consider remortgage applications with CCJs. Darryl Dhoffer explains. FCA 301173.

Can I get a mortgage with a CCJ in the UK?

Yes. A CCJ does not automatically prevent you from getting a mortgage in the UK. The key factors are how old the CCJ is, the amount, and whether it has been satisfied (paid off). Many specialist lenders will consider CCJs that are 12 months or older, and after 3 years your options increase significantly. Darryl Dhoffer specialises in CCJ mortgages and knows exactly which lenders will consider your specific situation.

How old does a CCJ need to be to get a mortgage?

Some specialist lenders will consider CCJs from as recent as 12 months ago. After 2-3 years, more options become available. After 6 years the CCJ drops off your credit file entirely. The key factor alongside age is whether the CCJ has been satisfied — a paid-off CCJ is viewed much more favourably than an outstanding one.

Do I need to pay off my CCJ before getting a mortgage?

Not necessarily, but satisfying your CCJ significantly improves your options. Some lenders require satisfaction before they will lend; others will consider unsatisfied CCJs depending on the age and amount. Darryl will advise on whether settling your CCJ before applying makes financial sense for your specific situation.

What deposit do I need for a CCJ mortgage?

Most specialist CCJ lenders want at least 10-15% deposit, though this depends heavily on the age and amount of the CCJ. With a 25% deposit your options improve significantly. Darryl has secured CCJ mortgages with smaller deposits in cases where the CCJ is old, small or satisfied.

Will a CCJ mortgage cost me more?

CCJ mortgages typically carry slightly higher interest rates reflecting the lender's perception of risk. However, the difference is often smaller than people expect — and as your credit improves and the CCJ ages, you can remortgage onto better rates. Darryl will show you the best available rate for your CCJ situation and create a plan for future improvement.

⚖️ CCJ Remortgage · Switch Deals With a CCJ

Remortgage With a CCJ Yes — Here Is How

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Remortgaging with a CCJ is absolutely possible and is something Darryl helps clients with regularly. Whether you want to switch to a better rate, release equity or consolidate debts, specialist lenders have remortgage products for CCJ applicants.

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🏦 What Lenders Look At

Current loan-to-value on your existing property — equity helps
Age and satisfaction status of the CCJ
Your payment history on your current mortgage — clean payments are crucial
Current income and affordability
Whether there are other adverse credit markers since your original mortgage

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Annual income (or joint income)

Deposit or equity available

Credit situation

Coming to the end of your deal and have a CCJ? Darryl will find your best option

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❓ Common Questions

Can I stay with my current lender if I have a CCJ?

A product transfer often does not trigger a new credit check. This means your CCJ may not be reassessed. Darryl will advise whether a product transfer or a full remortgage is the better option.

Can I release equity if I have a CCJ?

Yes. Equity release remortgages are available through specialist lenders for CCJ applicants.

The Mortgage Geezer is a trading style of Access Financial Services Limited, authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Registered in England No. 04427489.

Your home may be repossessed if you do not keep up repayments on your mortgage.

This page is for general information only and does not constitute regulated financial advice. Individual circumstances vary. Lender criteria are subject to change without notice.